I like the way you are thinking. As a nooby, I have no idea what kind of coverage I should be looking for. Thinking of getting a 1999 American Coach Eagle. Price would be about 45k financed. What coverage do I need?

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I started shopping today. Our National General went up this year "again". So far today Progressive the cheapest for or MH, Pickup and a Jeep we have in storage. The big difference is the auto portion.
The problem with Progressive is they only do 6 months on auto so it leaves it open to raise sooner so I don't like that.
If you want full replacement cost and not book value replacement your options will be limited. The best I have found for that so far is National Interstate but have more shopping to do, we have 30 das before our current policy gives out. I will be checking AARP and Blue Sky that someone mentioned (and thanks for those tips).

And on top of that, $45,000 isn't chump change, at least not for me. Our little rig probably wouldn't garner a $20,000 retail value at this point but i still want to cover some of that. Coverage is only ACV but the cheap $400 dollars a year premium is worth it to me.

Your RV is a 2015. You haven't had blue sky on THIS RV for 5 years. I have blue sky also. Watch your premium go up 50% next year.

You are correct - I had Blue Sky on the last RV which was a class C and now on the 2015 which I got in June of 2014 in the two and half years in this RV the cost went up less than 10 percent and I got a notice well in advance that they were asking the NJ Division of Insurance (state regulatory agency) for a rate increase.

I have Farm Bureau insurance and have been with them for 12 years. I quoted my current RV and the RV I am picking up tomorrow on National General Insurance and the cost is nearly 8x what I am paying now. Yes $4,000 a year with NGI and $500 a year from FB. Same limits and deductibles! My concern is that FB does not understand what they are insuring and when I need to file a claim it will be too late.